How We Will Calculate Your Balance. We use a method called "average daily balance (excluding new purchases)."

Effective Date. The information about the costs of the card described in this application is accurate as of November 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Late Payment Fee

$25 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.